Business Risk Specialist (Corporate Credit Specialist) - UAE National

Job description / Role

THIS ROLE IS FOR UAE NATIONALS - FLEXIBILITY TO WORK IN ABU DHABI / DUBAI

JOB PURPOSE: To process credit applications, conduct credit risk assessments, support business unit in managing client relationships, protect and improve asset quality of assigned portfolio in order to support the achievement of the groups pre-set financial and non-financial objectives

ACCOUNTABILITIES

Portfolio Management:
- Process new and existing credit proposals, monitor allocated portfolio and conduct annual reviews (For example: limit extensions; limit renewals; risk ratings; facility utilization; account conduct; client strategy) for existing clients to ensure continuity of portfolio quality

Financial Analysis:
- Analyse financial data spreads (Moody’s) from balance sheet, profit and loss statement and cash flow statement, conduct trend analysis, ratio analysis and provide opinion on the financial health along with financial projections to ensure decision makers have a clear view on the client’s financial health

Risk Assessment:
- Identify possible risks (For example: business risk; financial risk; structure risk) to assess and mitigate the extent of their impact and foresee possible risk mitigation measures to ensure portfolio health and quality

Moody’s Risk Analytics (MRA) Rating:
- Spread financial statements using Moody’s Risk Analytics (MRA’s) and concur on the subjective parameters for the client to ensure MRA rating (validated or indicative) is generated accurately

Requirements

- Bachelor’s Degree in Business, Accounting or Finance
- At least 4 years of experience in banking including 2 years in a Corporate Credit Risk related position

Knowledge and Skills:
- Analytical skills
- Intermediate MS Office skills (PowerPoint, Excel and Word)

About the Company

ADCB is a full-service commercial bank offering a wide range of products and services such as retail banking, wealth management, private banking, corporate banking, commercial banking, cash management, investment banking, corporate finance, foreign exchange, interest rate and currency derivatives, Islamic products, project finance, and property management services.